Health Plan

All graduate students who are paying tuition fees at either the Canadian or Quebec rates, GSA Association fees and who have an active registration with Concordia in the Fall or Winter semester, including CIP’s, are automatically covered by the Plan. If you have an active registration in the Fall, you are covered from Sept. 1 – Dec. 31. If you have an active registration in the Winter, your coverage is valid from Jan. 1 – Aug. 31.Voted on by student referendum, the plan is a comprehensive package of benefits not covered by provincial health care, including prescription drugs, health practitioners’ fees, travel health insurance, hospitalization, dental benefits, and more. The GSA Health and Dental Plan was specifically designed to cover all students, regardless of gender or previous health conditions.

For those who are CIP’s or on a leave of absence, it is suggested that you contact ASEQ to verify your coverage status.

Couple/Family Enrolment

You can extend your coverage to your family (spouse and/or dependants) by enrolling them in the Plan and paying an additional fee, over and above your individual fee as a Plan member. Common law and same-sex couples are eligible. For details, visit www.ihaveaplan.ca.

All International students are eligible to enroll in the GSA Dental Plan; those with a Quebec Medicare card can also enroll in the Health Plan. Enrollments are to be completed during the Change-of-Coverage Period, or within two weeks of receiving the Quebec Medicare card.

For fee amounts and other information, please contact ASEQ. Payments must be made by cheque or money order.

Blackout Period

While the insurance company waits for completed enrollment lists from Concordia, there is a blackout on claim reimbursement for new students during the first 2 months of the Fall and Winter semesters. Claims will paid once the blackout is over.

Change of Coverage

The Change-of-Coverage Period is the period at the beginning of the semester when you can either opt out or enrol your spouse and/or dependants in the Health & Dental Plan.

If you are enroled in the fall semester, your Change-of-Coverage Period is from Sept. 6 – 19, 2011. The winter Change-of-Coverage Period (for new Winter semester students only) is from Jan. 3 – 17, 2012. Visit www.ihaveaplan.ca for more details. Please remember that you can combine GSA Health and Dental Plan benefits with another insurance plan. By combining your GSA Plan and other private insurance, you can claim deductibles and out-of-pocket costs that you normally would have to pay.

Two Types of Opt-Outs

Permanent Opt-Out

If you request a permanent opt-out, you won’t have to opt out again from the Health and Dental Plan for the duration of your studies at Concordia. Should you wish to re-enrol, certain restrictions and a penalty would apply. Please consider your choice carefully and contact ASEQ if you have any questions.

Annual Opt-Out

If you complete an annual opt out, your opt out is in effect from Sept. 1, 2011 – Aug. 31, 2012. If you return as an eligible student in September 2012, you’ll be automatically re-enrolled in the GSA Health & Dental Plan. Should you wish to opt out again next year, you must renew the opt out online.

For more information on the GSA Health and Dental Plan, contact ASEQ at www.ihaveaplan.ca or at (514) 789-8790 or 1-866-795-4437.